399 Bermuda Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 399 Bermuda Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,780 sqft · built 1983
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$979,000 (Jul 2023)
Tax Bill	$36 (2025)
Deeds & Mortgages	Mar 2024 Transfer Aug 2023 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`31D 3 16`

Property Details

APN / Parcel Number

Primary APN	`31D 3 16`
Alternative APN	`9665`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
Gross Area	4,498 sqft
1st Floor Area	1,780 sqft
Basement Area	1,780 sqft
Finished Basement	890 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	94,090 sqft (2.16 acres)

Exterior Amenities

Pool Area	288 sqft
Porch	Slab
Porch Area	32 sqft
Deck Area	48 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9665
Street Address	399 BERMUDA RD
City	LANCASTER
State	VA
Zip	22503-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHITE HOUSE CREEK EST 2.16 AC LOT 17 18A LR23/1450
Legal Subdivision	WHITE HOUSE CREEK EST
Legal Lot Number	17
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4022
Census Tract	30100

Owner

Source: Lancaster County records, as of May 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9060 SALIENT LN, MECHANICSVILLE, VA 23116-6594
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Correction Deed
Aug 18, 2023	Correction Deed
Jul 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Sep 2, 2021	Warranty Deed, Transfer · ARM TOWNEBANK MORTGAGE
Dec 23, 2019	Intrafamily Transfer, Transfer
Dec 23, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	20231326
Last Transfer Date	Mar 5, 2024
Transfer Doc	0000000390
Record Updated	Sep 20, 2026

March 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 7, 2024
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	0240000390
Instrument Date	Mar 5, 2024
Instrument	240000390
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9060 SALIENT LN, MECHANICSVILLE, VA 23116-6594

August 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 18, 2023
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	0230001450
Instrument Date	Aug 14, 2023
Instrument	230001450
Record Updated	Sep 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9060 SALIENT LN, MECHANICSVILLE, VA 23116-6594

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jul 28, 2023
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	0230001326
Instrument Date	Jul 18, 2023
Instrument	230001326
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9060 SALIENT LN, MECHANICSVILLE, VA 23116-6594

Mortgage

Document Number	0230001327
Date	Jul 28, 2023
Instrument	230001327

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Sep 2, 2021
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	210002531
Instrument Date	Aug 26, 2021
Instrument	210002531
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5202 ROLLISON DR, WILLIAMSBURG, VA 23188-2926

Mortgage

Document Number	210002532
Date	Sep 2, 2021
Instrument	210002532

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Dec 23, 2019
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	190002148
Instrument Date	Dec 3, 2019
Instrument	190002148
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 BERMUDA RD, LANCASTER, VA 22503-4217

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Dec 23, 2019
Property Address	399 BERMUDA RD, LANCASTER, VA 22503-4217
Document Number	190002149
Instrument Date	Dec 3, 2019
Instrument	190002149
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 BERMUDA RD, LANCASTER, VA 22503-4217

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Lancaster County
Unified School District	Lancaster County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$36.00 (-98.85%)	$656,100 (+32.22%) Land $206,100 Building $450,000	$656,100 (+32.22%) Land $206,100 Building $450,000
2023	$3,126.00	$496,200 (-) Land $206,100 Building $290,100	$496,200 (-) Land $206,100 Building $290,100
2022		$496,200 Land $206,100 Building $290,100
2021			$496,200 Land $206,100 Building $290,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	28 (1998–2018)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Nov 2018 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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